Balance Sheet Eastern Bank PLC.

Equities

EBL

BD0112EBL007

Banks

End-of-day quote Dhaka S.E. Other stock markets 11/05/2026			5-day change	1st Jan Change
24.10 ^BDT	+0.42%		-8.74%	+2.15%

29/04	Eastern Bank PLC. Reports Earnings Results for the Full Year Ended December 31, 2025	CI
21/04	Eastern Bank Plc. Appoints Hassan O. Rashid as Managing Director, Effective April 19, 2026	CI

44189b4c90b.ChvsGrGBKQQavplgJc8FTU-90g0D_ZWL5ebRw8v_Ikc.TFHcS-LzGXdK_-oLSbgwFX__vUpNjqH_l6KAlZG8TQE6SalW-M1wckzz0A

Published financial data: EASTERN BANK PLC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.65TCr	1.99TCr	2.69TCr	3.96TCr	4.9TCr
Interest Income, Total	1.65TCr	1.99TCr	2.69TCr	3.96TCr	4.9TCr
Interest On Deposits	860.11Cr	1.3TCr	1.87TCr	2.92TCr	3.95TCr
Interest Expense, Total	860.11Cr	1.3TCr	1.87TCr	2.92TCr	3.95TCr
Net Interest Income	793.46Cr	685.98Cr	818.27Cr	1.03TCr	953.84Cr
Gain (Loss) on Sale of Assets	56.86L	42.99L	66.52L	1.31Cr	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	52Cr	27Cr	8.31Cr	-138.16Cr	-
Total Other Non Interest Income	938.19Cr	1.13TCr	1.27TCr	1.63TCr	2.11TCr
Non Interest Income, Total	990.78Cr	1.16TCr	1.28TCr	1.49TCr	2.11TCr
Revenues Before Provison For Loan Losses	1.78TCr	1.85TCr	2.1TCr	2.53TCr	3.06TCr
Provision For Loan Losses	220.9Cr	162.64Cr	159.57Cr	253.62Cr	371.77Cr
Total Revenues	1.56TCr	1.68TCr	1.94TCr	2.28TCr	2.69TCr
Salaries And Other Employee Benefits	426.35Cr	501.96Cr	553.21Cr	666.86Cr	785.62Cr
Occupancy Expense	134.05Cr	156.83Cr	175.56Cr	193.29Cr	249.7Cr
Selling General & Admin Expenses, Total	68Cr	80Cr	116.42Cr	142.9Cr	129.63Cr
Total Other Non Interest Expense	66Cr	141.82Cr	118.36Cr	100Cr	180.38Cr
Non Interest Expense, Total	694.91Cr	880.27Cr	963.55Cr	1.1TCr	1.35TCr
EBT, Excl. Unusual Items	868.43Cr	802.36Cr	973.15Cr	1.17TCr	1.35TCr
Other Unusual Items	-15Cr	23Cr	16Cr	38Cr	-
EBT, Incl. Unusual Items	853.14Cr	824.87Cr	989.26Cr	1.21TCr	1.35TCr
Income Tax Expense	373.12Cr	312.81Cr	377.02Cr	551.67Cr	512.37Cr
Earnings From Continuing Operations	480.02Cr	512.06Cr	612.24Cr	659.9Cr	834.04Cr
Net Income to Company	480.02Cr	512.06Cr	612.24Cr	659.9Cr	834.04Cr
Net Income - (IS)	480.02Cr	512.06Cr	612.24Cr	659.9Cr	834.04Cr
Net Income to Common Incl Extra Items	480.02Cr	512.06Cr	612.24Cr	659.9Cr	834.04Cr
Net Income to Common Excl. Extra Items	480.02Cr	512.06Cr	612.24Cr	659.9Cr	834.04Cr
Per Share Items
Net EPS - Basic	2.92	3.12	3.72	4.01	5.08
Basic EPS - Continuing Operations	2.92	3.12	3.72	4.01	5.08
Basic Weighted Average Shares Outstanding	164.37Cr	164.37Cr	164.37Cr	164.37Cr	164.25Cr
Net EPS - Diluted	2.92	3.12	3.72	4.01	5.08
Diluted EPS - Continuing Operations	2.92	3.12	3.72	4.01	5.08
Diluted Weighted Average Shares Outstanding	164.37Cr	164.37Cr	164.37Cr	164.37Cr	164.25Cr
Normalized Basic EPS	3.3	3.05	3.7	4.46	5.12
Normalized Diluted EPS	3.3	3.05	3.7	4.46	5.12
Dividend Per Share	0.73	0.82	0.92	1.45	-
Payout Ratio	29.6	23.28	21.91	22.73	28.37
Supplemental Items
Effective Tax Rate - (Ratio)	43.73	37.92	38.11	45.53	38.05
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	402.1Cr	317.88Cr	442.96Cr	507.9Cr	-
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-29Cr	-5.07Cr	-66Cr	44Cr	-
Normalized Net Income	542.77Cr	501.47Cr	608.22Cr	733.26Cr	841.5Cr
Non-Cash Pension Expense	19Cr	7.78Cr	12Cr	12Cr	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.28TCr	2.44TCr	2.86TCr	2.6TCr	2.09TCr
Investment Securities, Total	6.89TCr	7.74TCr	9.58TCr	15TCr	22TCr
Trading Asset Securities, Total	-	1.56TCr	182.59Cr	119.28Cr	-
Total investments	6.89TCr	9.3TCr	9.77TCr	15TCr	22TCr
Gross Loans	27TCr	31TCr	36TCr	41TCr	-
Net Loans	27TCr	31TCr	36TCr	41TCr	-
Gross Property Plant And Equipment	1.14TCr	1.26TCr	1.33TCr	1.15TCr	-
Accumulated Depreciation	-377.27Cr	-405.75Cr	-468.02Cr	-508.13Cr	-
Net Property Plant And Equipment	766.8Cr	858.35Cr	858.22Cr	637.3Cr	686.48Cr
Other Intangibles, Total	84Cr	84Cr	84Cr	79Cr	-
Loans Held For Sale	-	-	-	-	48TCr
Accrued Interest Receivable	161.59Cr	170.92Cr	164.98Cr	226.06Cr	-
Other Receivables	152.74Cr	154.8Cr	237.51Cr	353.15Cr	-
Restricted Cash	1.44TCr	1.58TCr	1.47TCr	1.75TCr	2.74TCr
Other Current Assets, Total	49Cr	43Cr	52Cr	109.74Cr	-
Deferred Tax Assets Long-Term (Collected)	239.58Cr	242.36Cr	292.05Cr	290.86Cr	-
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	2.03Cr	2.16Cr	5.13Cr	12Cr	1.59TCr
Total Assets	39TCr	46TCr	51TCr	62TCr	77TCr
Liabilities
Accrued Expenses, Total	89Cr	84Cr	83Cr	97Cr	-
Interest Bearing Deposits	24TCr	29TCr	34TCr	42TCr	48TCr
Non-Interest Bearing Deposits	2.21TCr	2.26TCr	2.43TCr	3.32TCr	7.13TCr
Total Deposits	27TCr	31TCr	36TCr	45TCr	55TCr
Short-Term Borrowings	224.84Cr	291.14Cr	506.98Cr	532.14Cr	-
Current Portion of Long-Term Debt	5.32TCr	6.68TCr	6.2TCr	6.55TCr	-
Long-Term Debt	982.96Cr	887.16Cr	859.55Cr	1.29TCr	12TCr
Long-Term Leases	75Cr	131.45Cr	126.91Cr	145.79Cr	-
Current Income Taxes Payable	336.86Cr	224.24Cr	292.3Cr	409.22Cr	-
Accrued Interest Payable	139.89Cr	259.12Cr	362.8Cr	678.48Cr	-
Other Current Liabilities - (Bank / Utility Template)	137.52Cr	133.73Cr	245.06Cr	135.12Cr	151.27Cr
Unearned Revenue Non Current	4.75Cr	2.47Cr	1.68Cr	3.64Cr	-
Pension & Other Post Retirement Benefits	65Cr	44Cr	12Cr	55Cr	-
Other Non Current Liabilities	2.16TCr	2.35TCr	2.68TCr	2.97TCr	4.3TCr
Total Liabilities	36TCr	42TCr	47TCr	58TCr	72TCr
Common Stock, Total	953.86Cr	1.07TCr	1.21TCr	1.36TCr	1.6TCr
Retained Earnings	2TCr	2.27TCr	2.62TCr	2.97TCr	3.32TCr
Comprehensive Income and Other	209.78Cr	229.26Cr	226.54Cr	-36Cr	89Cr
Total Common Equity	3.16TCr	3.58TCr	4.05TCr	4.3TCr	5.01TCr
Total Equity	3.16TCr	3.58TCr	4.05TCr	4.3TCr	5.01TCr
Total Liabilities And Equity	39TCr	46TCr	51TCr	62TCr	77TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	164.37Cr	164.37Cr	164.37Cr	164.37Cr	163.91Cr
ECS Total Common Shares Outstanding	164.37Cr	164.37Cr	164.37Cr	164.37Cr	163.91Cr
Book Value / Share	19.25	21.76	24.66	26.14	30.56
Tangible Book Value	3.08TCr	3.49TCr	3.97TCr	4.22TCr	5.01TCr
Tangible Book Value Per Share	18.74	21.25	24.14	25.65	30.56
Total Debt	6.6TCr	7.99TCr	7.69TCr	8.52TCr	12TCr
Deposits at Interest - Cash	3.17TCr	2.72TCr	2.44TCr	3.16TCr	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	65Cr	44Cr	12Cr	55Cr	-
Net Debt	4.33TCr	3.98TCr	4.65TCr	5.8TCr	9.73TCr
Full Time Employees	3.09T	3.55T	3.86T	4.43T	-
Number Of Offices	90	106	118	130	-
Assets under Capital Lease - Gross	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	480.02Cr	512.06Cr	612.24Cr	659.9Cr	-
Depreciation, Depletion & Amortization	68Cr	77Cr	82Cr	90Cr	-
Total Depreciation, Depletion & Amortization	68Cr	77Cr	82Cr	90Cr	-
Amortization of Deferred Charges, Total	6.07Cr	7.69Cr	14Cr	14Cr	-
Change in Trading Asset Securities	1.87TCr	-1.71TCr	49Cr	-2.97TCr	-4.09TCr
Change In Income Taxes	-131.11Cr	113.49Cr	-6.09Cr	-	-
Change in Other Net Operating Assets (Collected)	-3.96TCr	-4.11TCr	-4.38TCr	-5.98TCr	-6.91TCr
Other Operating Activities	246.98Cr	271.11Cr	241.1Cr	790.46Cr	1.46TCr
Cash from Operations	-1.42TCr	-4.84TCr	-3.39TCr	-7.4TCr	-9.54TCr
Capital Expenditure	-72Cr	-176.57Cr	-102.82Cr	-61Cr	-115.24Cr
Investment in Marketable and Equity Securities, Total	-2.23TCr	-678.31Cr	-515.01Cr	-2.04TCr	-2.86TCr
Other Investing Activities, Total	1	-	-	-48Cr	-12Cr
Cash from Investing	-2.31TCr	-854.88Cr	-617.83Cr	-2.14TCr	-2.99TCr
Long-Term Debt Issued, Total	1.9TCr	1.33TCr	107Cr	-	534Cr
Total Debt Issued	1.9TCr	1.33TCr	107Cr	-	534Cr
Long-Term Debt Repaid, Total	-	-	-	-106.02Cr	-34Cr
Total Debt Repaid	-	-	-	-106.02Cr	-34Cr
Common Dividends Paid	-142.06Cr	-119.23Cr	-134.14Cr	-150Cr	-236.61Cr
Common & Preferred Stock Dividends Paid	-142.06Cr	-119.23Cr	-134.14Cr	-150Cr	-236.61Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	2.77TCr	4.8TCr	4.35TCr	9.81TCr	13TCr
Other Financing Activities, Total	-1	-	-	-	-
Cash from Financing	4.53TCr	6.01TCr	4.32TCr	9.55TCr	13TCr
Foreign Exchange Rate Adjustments	-34.96L	-7.76Cr	-3.58Cr	12Cr	28.88L
Miscellaneous Cash Flow Adjustments	1	-1	-	-	1
Net Change in Cash	797.68Cr	306.56Cr	306.19Cr	21Cr	485.17Cr
Supplemental Items
Cash Interest Paid	1.01TCr	1.18TCr	1.76TCr	2.61TCr	-
Cash Income Tax Paid (Refund)	242Cr	426.3Cr	370.93Cr	389.25Cr	-
Net Debt Issued / Repaid	1.9TCr	1.33TCr	107Cr	-106.02Cr	499.6Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.31	1.2	1.26	1.17	1.2
Return On Equity %	15.72	15.19	16.05	16.25	17.93
Return on Common Equity	15.72	15.19	16.05	16.25	17.93
Shareholders Value Added	113.49Cr	107.66Cr	154.52Cr	172.69Cr	275.79Cr
Margin Analysis
SG&A Margin	39.38	42.94	42.53	43.12	43.28
Net Interest Income / Total Revenues %	50.75	40.77	42.25	45.48	35.44
EBT Excl. Non-Recurring Items Margin %	55.55	47.68	50.25	51.55	50.02
Income From Continuing Operations Margin %	30.7	30.43	31.61	29	30.98
Net Income Margin %	30.7	30.43	31.61	29	30.98
Net Avail. For Common Margin %	30.7	30.43	31.61	29	30.98
Normalized Net Income Margin	34.72	29.8	31.4	32.22	31.26
Asset quality
Nonperforming Loans / Total Loans %	3.81	2.91	3.19	3.54	-
Nonperforming Loans / Total Assets %	2.64	1.97	2.21	2.35	-
Nonperforming Assets / Total Assets %	2.64	1.97	2.21	2.35	-
NPAs / Loans and OREO	3.81	2.91	3.19	3.54	-
NPAs / Equity	32.73	25.33	28.01	34.03	-
Provision for Loan Losses / Net Charge-offs %	-923.12	108.54	-1.37T	225.26	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.35	7.91	7.84	7.17	6.7
Total Average Equity / Total Average Assets %	8.35	7.91	7.84	7.17	6.7
Total Equity + Allowance for Loan Losses / Total Loans %	11.65	11.5	11.39	10.41	-
Gross Loans / Total Deposits %	102.43	99.32	98.99	91.81	-
Net Loans / Total Deposits %	102.43	99.32	98.99	91.81	-
Tier 1 Capital Ratio %	10.21	10.64	10.76	11.37	-
Total Capital Ratio %	13.87	14.43	14.78	14.65	-
Core Tier 1 Capital Ratio	10.21	10.64	10.76	11.37	-
Tier 2 Capital Ratio	3.67	3.78	4.02	3.28	-
Interbank Ratio	36.7	32.27	39.64	31.26	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.99	1.63	1.53	1.41	1.34
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	31.11	-13.55	19.28	26.48	-7.84
Non Interest Income, 1 Yr. Growth %	16.36	17.01	10.24	18.52	41.17
Provision For Loan Losses, 1 Yr. Growth %	247.99	-26.38	-1.89	58.94	46.59
Total Revenues, 1 Yr. Growth %	12.21	7.63	15.1	18.55	18.28
Earnings From Cont. Operations, 1 Yr. Growth %	14.83	6.67	19.56	7.78	26.39
Net Income, 1 Yr. Growth %	14.83	6.67	19.56	7.78	26.39
Normalized Net Income, 1 Yr. Growth %	18.28	-7.61	21.29	20.56	14.76
Diluted EPS Before Extra, 1 Yr. Growth %	14.83	6.67	19.56	7.78	26.48
Dividend Per Share, 1 Yr. Growth %	-16.07	12.5	12.5	57.5	-
Gross Loans, 1 Yr. Growth %	17.81	14.54	14.41	15.99	-
Net Loans, 1 Yr. Growth %	17.81	14.54	14.41	15.99	-
Non Performing Loans, 1 Yr. Growth %	54.08	-12.52	25.3	28.76	-
Non Performing Assets, 1 Yr. Growth %	51.7	-12.52	25.3	28.76	-
Total Assets, 1 Yr. Growth %	15.52	17.26	11.72	21.46	23.5
Total Deposits, 1 Yr Growth %	11.81	18.12	14.79	25.06	23.32
Tangible Book Value, 1 Yr. Growth %	7.65	13.39	13.64	12.74	18.77
Common Equity, 1 Yr. Growth %	7.44	13.03	13.32	12.33	16.59
Total Equity, 1 Yr. Growth %	7.44	13.03	13.32	12.33	16.59
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.09	6.47	1.55	22.83	7.97
Non Interest Income, 2 Yr. CAGR %	21.22	16.68	13.57	13.54	29.35
Provision For Loan Losses, 2 Yr. CAGR %	24.33	60.06	-15.01	24.88	52.64
Total Revenues, 2 Yr. CAGR %	7.25	9.9	11.3	16.3	18.42
Earnings From Cont. Operations, 2 Yr. CAGR %	9.68	10.68	12.94	13.52	16.72
Net Income, 2 Yr. CAGR %	9.68	10.68	12.94	13.52	16.72
Normalized Net Income, 2 Yr. CAGR %	17.01	4.54	5.86	20.92	17.62
Diluted EPS Before Extra, 2 Yr. CAGR %	9.68	10.68	12.94	13.52	16.76
Dividend Per Share, 2 Yr. CAGR %	-1.04	-2.83	12.49	33.12	-
Gross Loans, 2 Yr. CAGR %	6.58	16.16	14.47	15.2	-
Net Loans, 2 Yr. CAGR %	6.58	16.16	14.47	15.2	-
Non Performing Loans, 2 Yr. CAGR %	13.57	16.1	4.7	27.02	-
Non Performing Assets, 2 Yr. CAGR %	12.8	15.2	4.7	27.02	-
Total Assets, 2 Yr. CAGR %	7.69	16.38	14.45	16.23	22.48
Total Deposits, 2 Yr CAGR %	6.22	14.92	16.44	19.82	24.19
Tangible Book Value, 2 Yr. CAGR %	10.72	10.48	13.51	9.89	15.72
Common Equity, 2 Yr. CAGR %	10.39	10.2	13.18	9.6	14.44
Total Equity, 2 Yr. CAGR %	10.39	10.2	13.18	9.6	14.44
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.4	-6.07	10.58	9.26	11.61
Non Interest Income, 3 Yr. CAGR %	20.72	19.8	14.49	14.68	22.09
Provision For Loan Losses, 3 Yr. CAGR %	0.17	4.4	35.97	4.71	31.73
Total Revenues, 3 Yr. CAGR %	12.28	7.38	11.61	13.33	16.95
Earnings From Cont. Operations, 3 Yr. CAGR %	15.56	8.67	13.56	11.19	17.66
Net Income, 3 Yr. CAGR %	15.56	8.67	13.56	11.19	17.66
Normalized Net Income, 3 Yr. CAGR %	22.47	8.15	9.84	10.55	18.83
Diluted EPS Before Extra, 3 Yr. CAGR %	15.56	8.67	13.56	11.19	17.69
Dividend Per Share, 3 Yr. CAGR %	-6.87	3.28	2.03	25.85	-
Gross Loans, 3 Yr. CAGR %	7.71	9.17	15.57	14.98	-
Net Loans, 3 Yr. CAGR %	7.71	9.17	15.57	14.98	-
Non Performing Loans, 3 Yr. CAGR %	27.44	4.11	19.09	12.17	-
Non Performing Assets, 3 Yr. CAGR %	26.33	3.64	18.47	12.17	-
Total Assets, 3 Yr. CAGR %	11.16	10.79	14.81	16.57	18.6
Total Deposits, 3 Yr CAGR %	10.68	10.05	14.88	19.25	20.97
Tangible Book Value, 3 Yr. CAGR %	10.97	11.6	11.53	11.04	12.77
Common Equity, 3 Yr. CAGR %	10.62	11.27	11.23	10.73	11.88
Total Equity, 3 Yr. CAGR %	10.62	11.27	11.23	10.73	11.88
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.19	3.14	1.46	4.57	9.53
Non Interest Income, 5 Yr. CAGR %	9.08	10.61	17.81	17.25	19.9
Provision For Loan Losses, 5 Yr. CAGR %	0.17	-8.98	-6.2	12.16	42.41
Total Revenues, 5 Yr. CAGR %	9.72	10.36	11.89	10.86	14.08
Earnings From Cont. Operations, 5 Yr. CAGR %	12.06	16.09	14.5	10.58	14.81
Net Income, 5 Yr. CAGR %	12.06	16.09	14.5	10.58	14.81
Normalized Net Income, 5 Yr. CAGR %	13.97	13.46	15.53	13.09	12.89
Diluted EPS Before Extra, 5 Yr. CAGR %	12.06	16.09	14.5	10.58	14.83
Dividend Per Share, 5 Yr. CAGR %	-3.24	-1.89	0.44	14.31	-
Gross Loans, 5 Yr. CAGR %	11.67	10.17	10.36	11.54	-
Net Loans, 5 Yr. CAGR %	11.67	10.17	10.36	11.54	-
Non Performing Loans, 5 Yr. CAGR %	19.17	14.38	17.81	12.73	-
Non Performing Assets, 5 Yr. CAGR %	18.34	13.73	17.19	12.43	-
Total Assets, 5 Yr. CAGR %	13.05	12.43	12.47	12.93	17.71
Total Deposits, 5 Yr CAGR %	14	13.74	12.95	13.86	-
Tangible Book Value, 5 Yr. CAGR %	8.94	10.58	11.98	10.92	11.85
Common Equity, 5 Yr. CAGR %	8.72	10.33	11.63	10.6	11.2
Total Equity, 5 Yr. CAGR %	8.72	10.33	11.63	10.6	11.2